Motor Casco in Burgas
Casco covers damage to your own vehicle — where Motor Liability stops. The difference between insurers here is not only price: the covered risks, the way payouts are calculated, the security requirements and the repair network all vary. We help you compare what actually matters, not just the bottom line.
- Licensed broker, FSC №812-ЗБ
- Free consultation
- We reply within 30 minutes in working hours
What it covers
Accidents that are your fault
The main reason for Casco. If you are at fault in an accident, Motor Liability pays the other party, but your own vehicle is your problem — unless you have Casco.
Theft and robbery
Covers theft of the vehicle or of parts of it. Insurers set different security requirements — immobiliser, GPS tracking, guarded parking. We check these upfront so there are no surprises at claim time.
Natural events and vandalism
Hail, flooding, storm, a fallen tree, fire, plus deliberate damage by third parties. In the Burgas region hail and flooding are a genuine risk — this is a clause worth reading carefully.
Partial Casco
A cheaper option covering only selected risks — theft, fire and natural events, for example, but not accidents you cause. A sensible choice for older cars where full Casco no longer pays for itself.
What it does not cover
- Normal wear and tear, mechanical failure and depreciation.
- Damage while driving under the influence of alcohol or drugs.
- Damage occurring outside the territory the policy covers.
- Absence of the security devices the policy requires (a non-working immobiliser, for example).
- Driving by a person without a valid licence.
What we need to quote
- Vehicle registration certificate.
- The owner’s ID card.
- A vehicle inspection — carried out at our office or at your location.
- Details of fitted security devices (immobiliser, alarm, GPS).
Why through Soners
- We compare more than price — who pays without depreciation, who repairs at an authorised garage, what the excess is.
- We explain which optional clauses are worth it for your particular car and which are wasted money.
- We arrange the inspection quickly, including at your location in Burgas and the region.
- When you claim we prepare the paperwork and follow the case through to payout — the moment a broker is worth most.
About the price
The Casco premium is a percentage of the vehicle’s insured value and depends on make, year, region, excess and the clauses you choose. We calculate it free after a short conversation.
Frequently asked questions
It depends on the insured value. If the car is worth BGN 6,000 and full Casco costs BGN 900 a year, the ratio often does not add up — but partial Casco for theft and natural events alone can make sense. We will tell you honestly when we do not recommend Casco.
The amount you cover yourself on every claim. A higher excess lowers the premium, but means small damage stays at your expense. We work out together which option is better value in your case.
Yes, most insurers offer 2, 4 or 12 instalments for Casco. Note that an unpaid instalment ends the cover — we remind you before every due date.
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